Since 2023, no household has paid housing tax for main residences. Today, the generalized return of this tax is being discussed and would save the State 20 to 30 billion euros.
Many mayors, in particular, are calling for its reinstatement. At the same time, the property tax has increased by 32.9% in 10 years, according to the Property Tax Observatory.
A record jump which has a strong impact on property owners. In its latest study, the loan broker Meilleurtaux compares the increase in the amount of the monthly credit payment for buyers of a 70 m² home in 32 cities in France if this tax returned *.
Saint-Étienne: the equivalent of four additional monthly credit payments
“The overall impact of the property tax and the housing tax differs depending on the city. In fact, the less expensive real estate is, the higher the tax burden. », remarks Maël Bernier, communications director and spokesperson for Meilleurtaux.
This is the case in Saint-Étienne where these two taxes would represent, if the return of the housing tax were adopted, the equivalent of four additional monthly credit payments per year.
In Nîmes and Perpignan, residents would have to pay 3.5 monthly payments more per year. Those of Le Havre, Mulhouse, Le Mans and Limoges would also experience a sharp increase since this would exceed a little more than three monthly credit payments per year.
“Some owners could find themselves in an extremely delicate financial situation,” she believes.
Metz, Grenoble, Dijon: more than two monthly credit payments per year
Residents of Metz, Grenoble and Besançon would have to pay respectively 2.1, 2.5 and 2.7 additional monthly credit payments per year and those of Dijon and Orléans three more monthly payments per year.
Paris, Aix-en-Provence: an increase lower than a monthly payment
Conversely, the cities where these taxes have the least impact are the very large cities, because the cost of purchasing housing is much higher than in other cities in France.
This is for example Paris or Aix-en-Provence, where the increase will be less than one monthly credit payment per year.
The return of the housing tax would also have little impact in Lyon, Lille and Strasbourg with respectively 1, 1.3 and 1.5 monthly credit payments per year.
* The simulation takes into account a housing tax which would be equivalent to the property tax of the city concerned
France
